Depends on what you have to lose. IMO the more assets you have the more you need to protect them......or maybe you should think of it in terms of what you can afford to lose. When you don't have much you really can't afford to lose any of it.

I'm not a legal professional---if you are serious about doing it I'd suggest running this by a legal professional........maybe they would be willing to trade their services for you training them or perhaps their kids.

Edited by cxt (11/13/1202:20 PM)

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I did battle with ignorance today.......and ignorance won.
Huey.

I teach in four locations. One is a YMCA. As an employee I am covered by there insurance in their location. I also teach in my employer's fitness center. They require $2million in liability coverage. My policy covers that location and the other locations I teach at one of which is in my home. The policy is $450 annually for 1-25 students per month. If you can afford it get it. If you can't, find a way to afford it.